Detroit, MI · Charter 11816
Q4 2001
Board Package
Performance Trends and Peer Comparison
Quarter: Q4 2001, the quarter ended December 31, 2001, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
No peer standings are published for this institution and quarter.
Peer groups below the disclosure floor are suppressed.
Detroit, MI · Charter 11816
Q4 2001
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Net Worth / Assets
Year to date, annualized, through each quarter.
| Metric | Q2 1998 | Q4 1998 | Q2 1999 | Q4 1999 | Q2 2000 | Q4 2000 | Q2 2001 | Q4 2001 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 7.89% | 6.98% | 4.15% | 0.62% | 5.10% | 3.06% | 0.79% | -1.10% | -172 bps | |
| Return on Equity | n/a | n/a | n/a | n/a | n/a | 24.12% | 5.88% | -15.69% | n/a | |
| Net Interest Margin | n/a | n/a | n/a | 5.16% | 5.63% | 6.00% | 5.35% | 4.81% | -35 bps | |
| Efficiency Ratio | n/a | n/a | n/a | 131.61% | 150.73% | 119.66% | 100.34% | 131.91% | +30 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | -22.51% | -18.60% | -15.52% | -8.30% | -2.83% | -10.00% | -12.48% | -15.82% | -751 bps | |
| Loan Growth (YoY) | -24.75% | -27.86% | -24.76% | -22.62% | -33.65% | -28.37% | -45.89% | -61.83% | -3,921 bps | |
| Share Growth (YoY) | -19.01% | -16.49% | -14.53% | -14.11% | -6.92% | -13.97% | -16.98% | -11.89% | +222 bps | |
| Asset Quality | ||||||||||
| Delinquent Loans / Loans | 0.00% | 7.89% | 8.30% | 7.59% | 8.29% | 0.00% | 0.00% | 0.00% | -759 bps | |
| Net Charge-Offs / Loans | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a | n/a |
| Allowance / Loans | 8.19% | 9.03% | 9.51% | 8.64% | 6.13% | 4.92% | 6.95% | 10.06% | +142 bps | |
| Capital | ||||||||||
| Risk-Based Capital | n/a | n/a | n/a | n/a | n/a | 12.68% | 13.39% | 7.00% | n/a | |
| Net Worth / Assets | n/a | n/a | n/a | n/a | n/a | 12.68% | 13.39% | 7.00% | n/a | |
| Liquidity & Funding | ||||||||||
| Loans / Shares | 106.58% | 96.46% | 91.29% | 99.48% | 75.96% | 80.31% | 59.50% | 43.09% | -5,639 bps | |
| Liquid Assets / Assets | 7.45% | 8.84% | 15.63% | 0.00% | 0.00% | 32.93% | 51.52% | 61.92% | +6,192 bps | |